Question:
My car was broken into (back window was smashed) and an expensive new laptop was stolen. I have comprehensive auto insurance, and even the cops told me that auto insurance would cover it. However the insurance claims person says that only car and parts of car are covered. Is this something thats a given fact or is it just that i need to talk to argue with the insurance company?
In response to another question, someone here said that i may need to consult a lawyer and threaten to complainw with Better Business Bureau etc. Would that help? Does it matter whether this incident is called vandalism versus burglary (the car window was smashed into, there were witnesses, was a police report).
Any other ideas to help recover the costs? The value of the good stolen is around $3500...
Answers:
I have already answered this. Only components of the VEHICLE are covered under comprehensive insurance. Your back glass is covered, your laptop is NOT. That's what happens when you leave a $3500.00 laptop in your CAR.
P.S. -- to the idiot that told you a lawyer can get this paid under your comp., you are a complete idiot.
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You would have to have a copy of your policy that you signed when you got the insurance with the company, and then have a lawyer look it over to see if you do have a case. It depends primarily on your signed policy.how can i pass the dmv written exams?
try home owners or renters ins.... that is what i had to do when all my cd's were stolen. my insurance company would not cover them, my cd player or my subs due to the fact they were not OEMAfter you finance a car how long do you have to change your mind?
I can only answer the first part of your question... if you have full coverage insurance it should cover it... look into those document that you insurance send you and see whether is cover, they can't argue when is on Black and White...how to find the registration numbers of doctors?
Check your policy carefully. If it's not covered, check your homeowners policy.What Will Be The Primary Form of Transportation....?
First thing to remember is that insurance companies don't want to pay for anything. They claim eveyone is scamming them when really they are the biggest scammers out there. Your car insurance should cover it as it was in the car when it was stolen. If they give you a hard time I would claim it through your homeowners.. actually, call your homeowners and ask them who should pay, they might tell you it is your auto insurance. If they do, then you have some ammo next time you talk to the auto insurance people.Can a Canadian Citizen buy car insurance in America and how?
Legally, as long as you have, 'reliable witnesses' for the court, you can win with a lawyer. However, if you did not get the max coverage on your auto insurance, you may have a battle on your hands. With some insurance companies, if you do not have coverage on the contents, it may only cover the items that are built into the car, such as AM/FM, stereo with all the goodies, CD/DVD player and such...expensive wheels (no wheel covers which can easily be removed), and so forth. I would have someone else call the insurance you use to ask for a price quote for the same type policy you would have, with the same make and year of car. Then have this person ask if anything other than built in modules are stolen, like LUGGAGE, computers, cells phone and so forth. Find out what the answer to their question is. This will tell you for certain if or not the adjuster to lying to you because they know that would have to pay up. I did that when my daughter-in-law had that issue, and as it turned out, the insurance carrier was telling the truth. So, I would do something like that before calling an attorney. You just may save money on consultation fees. Hope that helps.it may seem unfair but the company is right. in the (auto) insurance industry what people call "comprehensive" coverage is actually called: "comprehensive physical damage coverage". as the name indicates, comprehensive coverage only covers the vehicle.
Will it hurt me that the person who hit my car has the same insurance company as me?
in some instances you can add an extra layer of coverage called Personal Effects Coverage. these instances include boat insurace, rental car insurance, motorhome coverage, or other instances where it is assumed that you will have large amounts of personal items onboard.
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This may hurt but....you just lost $3500
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aase2002 & Cowboy are right. And if you read your policy closely you will see this. The only way you will recover the loss of the laptop is if you have Homeowners or Renters insurance. Those policy cover electronic items that you may have in your vehicle as long as they can be powered by the vehicle. The other bad news is that even if you have a home policy it probably won't pay for the full amount that you lost. They usually have around a $2,000 limit on electronics.what is the lowest i should go on car insurance regardind coverage cause itrying to save?
Sorry dude but you might be SOL.
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Sorry to be the bearer of bad news, but most car insurance policies will specifically exclude stuff like that from coverage. They usually only cover equipment professionally installed in the car. Unfortunately, the officer gave you bad information and threatening the adjuster wont help. The laptop is considered personal property on your homeowner's policy or tenant insurance. I have never seen this type of claim paid under an auto insurance policy. But if you have homeowner's insurance you should call in a claim!I was told I have to change my car insurance to Florida cuz I'm moving there, what do I do?
The insurance agent is correct - theft coverage pertains to the car and all permanently attached equipment. Anything that wasn't attached would be covered under renter's or homeowner's insurance.Cowboy Bill is right as always!! The cop was wrong to tell you that your auto policy would cover your laptop (unless he is also your insurance agent on the side!). The adjuster is correct. An auto policy will not cover your person property in a vehicle, you need to turn in a claim on your homeowners or renters policy.
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Had my car stolen once (that was enough) and the personal contents in the car are covered under your homeowners/tenants insurance. Any car parts are covered under your auto insurance, but personal contents, laptops, CD's clothes, whatever is covered by homeowners/tenants insurance. Hopefully you have that, and your deductable is relatively low that it will pay for most of it.If you don't have that type of insurance, I am sorry to say you are out of luck.
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Sorry, but the policy contract most likely states that personal items or items that are not permanently attached to the vehicle are not covered. And complaining to the BBB won't beat the contract you have with them. The only time that stuff is covered is if the whole car is stolen, and even then it's a limited amount, like $200. You can try your homeowners/renter's insurance and see.I would like to renew my two wheeler driving licence. I reside in chennai.?
So your telling me that if i was rich and left thousands of dollars of jewelry in my car that my car insurance should have to pay for it? Car insurance is just that- FOR YOUR CAR. Everyone on here who says you should get a lawyer or that you have a chance for it to be covered are stupid for thinking they know what they are talking about and misleading you. Comprehensive coverage only covers stuff PERMANANTLY ATTACHED to your vehicle- aka bolted down. I love reading all these people say insurance is trying to "screw you over." Have you thought about READING your policy and how ridiculous it would be if insurance just covered random loss items in your car? Dont waste your time trying to get this covered...Is there any way to keep the same license plate numbers without paying extra?
If the police were notified and made a police report stating the computer was taken then you will be ok.You will also need proof of purchase for your computer.The insurance company should pay for the stolen goods minus the depreciation.This means if it cost 3 thousand then you might get 1000 at one year oldim 18 just passed my driving test would i be able to get insured on commercial insurance for a van?
Right again Cowboy Bill.If your in a car accident and your the car in the middle........?
If insurance would cover the loss of a $3000 dollar laptop stupidly left in an auto, many people would break a window and claim a laptop was in the car.
Hell, you shouldn't leave electronics like that in a cold car anyway.
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